Home > The National Bank of Vernon > Income and Expense
The National Bank of Vernon, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $848,000 | 6,699 |
| Total interest expense | $306,000 | 6,876 |
| Net interest income | $542,000 | 6,431 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $182,000 | 4,231 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $52,000 | 4,797 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $130,000 | 3,266 |
| Total noninterest expense | $906,000 | 4,419 |
| Salaries and employee benefits | $359,000 | 5,504 |
| Premises and equipment expense | $148,000 | 3,888 |
| Additional noninterest expense | $399,000 | 3,180 |
| Pre-tax net operating income | $-182,000 | 8,281 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-68,000 | 8,465 |
| Income before extraordinary items | $-114,000 | 8,202 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-114,000 | 8,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-114,000 | 8,189 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,310,000 | 6,557 |
| Total interest expense | $1,028,000 | 6,891 |
| Net interest income | $2,282,000 | 6,248 |
| Provision for loan and lease losses | $299,000 | 2,820 |
| Total noninterest income | $436,000 | 5,423 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $229,000 | 4,702 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $207,000 | 5,061 |
| Total noninterest expense | $2,823,000 | 5,094 |
| Salaries and employee benefits | $1,149,000 | 6,040 |
| Premises and equipment expense | $554,000 | 3,989 |
| Additional noninterest expense | $1,120,000 | 4,153 |
| Pre-tax net operating income | $-404,000 | 8,218 |
| Securities gains (losses) | $39,000 | 736 |
| Applicable income taxes | $-183,000 | 8,437 |
| Income before extraordinary items | $-182,000 | 8,133 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-182,000 | 8,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,342 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-206,960 | 8,147 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,472,000 | 6,586 |
| Total interest expense | $745,000 | 6,935 |
| Net interest income | $1,727,000 | 6,286 |
| Provision for loan and lease losses | $299,000 | 2,164 |
| Total noninterest income | $330,000 | 5,441 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $173,000 | 4,726 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $157,000 | 5,043 |
| Total noninterest expense | $2,055,000 | 5,180 |
| Salaries and employee benefits | $888,000 | 5,916 |
| Premises and equipment expense | $415,000 | 4,019 |
| Additional noninterest expense | $752,000 | 4,486 |
| Pre-tax net operating income | $-297,000 | 8,348 |
| Securities gains (losses) | $37,000 | 619 |
| Applicable income taxes | $-109,000 | 8,569 |
| Income before extraordinary items | $-151,000 | 8,288 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-151,000 | 8,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 1,748 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-174,680 | 8,299 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,618,000 | 6,624 |
| Total interest expense | $472,000 | 6,969 |
| Net interest income | $1,146,000 | 6,331 |
| Provision for loan and lease losses | $371,000 | 1,240 |
| Total noninterest income | $214,000 | 5,489 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $115,000 | 4,705 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,149 |
| Total noninterest expense | $1,359,000 | 5,218 |
| Salaries and employee benefits | $615,000 | 5,831 |
| Premises and equipment expense | $282,000 | 3,959 |
| Additional noninterest expense | $462,000 | 4,737 |
| Pre-tax net operating income | $-370,000 | 8,513 |
| Securities gains (losses) | $37,000 | 499 |
| Applicable income taxes | $-138,000 | 8,658 |
| Income before extraordinary items | $-195,000 | 8,421 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-195,000 | 8,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 1,261 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-218,680 | 8,436 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $799,000 | 6,641 |
| Total interest expense | $220,000 | 7,047 |
| Net interest income | $579,000 | 6,325 |
| Provision for loan and lease losses | $371,000 | 655 |
| Total noninterest income | $103,000 | 5,530 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $57,000 | 4,646 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $46,000 | 5,273 |
| Total noninterest expense | $697,000 | 5,148 |
| Salaries and employee benefits | $312,000 | 5,807 |
| Premises and equipment expense | $154,000 | 3,708 |
| Additional noninterest expense | $231,000 | 4,705 |
| Pre-tax net operating income | $-386,000 | 8,657 |
| Securities gains (losses) | $36,000 | 390 |
| Applicable income taxes | $-138,000 | 8,716 |
| Income before extraordinary items | $-212,000 | 8,573 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-212,000 | 8,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 1,382 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-235,040 | 8,587 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,224,000 | 6,412 |
| Total interest expense | $724,000 | 6,973 |
| Net interest income | $2,500,000 | 6,047 |
| Provision for loan and lease losses | $424,000 | 2,171 |
| Total noninterest income | $342,000 | 6,066 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $255,000 | 4,535 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $87,000 | 6,625 |
| Total noninterest expense | $2,851,000 | 4,951 |
| Salaries and employee benefits | $1,259,000 | 5,629 |
| Premises and equipment expense | $646,000 | 3,441 |
| Additional noninterest expense | $946,000 | 4,600 |
| Pre-tax net operating income | $-433,000 | 8,481 |
| Securities gains (losses) | $66,000 | 849 |
| Applicable income taxes | $-180,000 | 8,667 |
| Income before extraordinary items | $-187,000 | 8,410 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-187,000 | 8,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,855 |
| Cash dividends | $291,000 | 4,458 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-229,240 | 8,413 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,366,000 | 6,461 |
| Total interest expense | $510,000 | 7,041 |
| Net interest income | $1,856,000 | 6,100 |
| Provision for loan and lease losses | $421,000 | 1,644 |
| Total noninterest income | $231,000 | 6,303 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $191,000 | 4,565 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $40,000 | 7,342 |
| Total noninterest expense | $2,190,000 | 4,829 |
| Salaries and employee benefits | $953,000 | 5,585 |
| Premises and equipment expense | $517,000 | 3,272 |
| Additional noninterest expense | $720,000 | 4,534 |
| Pre-tax net operating income | $-524,000 | 8,608 |
| Securities gains (losses) | $66,000 | 798 |
| Applicable income taxes | $-190,000 | 8,757 |
| Income before extraordinary items | $-268,000 | 8,550 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-268,000 | 8,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,418 |
| Cash dividends | $245,000 | 3,819 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-310,240 | 8,540 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,562,000 | 6,454 |
| Total interest expense | $323,000 | 7,049 |
| Net interest income | $1,239,000 | 6,083 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $161,000 | 6,195 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $120,000 | 4,652 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $41,000 | 6,734 |
| Total noninterest expense | $1,398,000 | 4,975 |
| Salaries and employee benefits | $634,000 | 5,566 |
| Premises and equipment expense | $289,000 | 3,725 |
| Additional noninterest expense | $475,000 | 4,546 |
| Pre-tax net operating income | $-28,000 | 8,409 |
| Securities gains (losses) | $66,000 | 706 |
| Applicable income taxes | $5,000 | 6,626 |
| Income before extraordinary items | $33,000 | 8,211 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $33,000 | 8,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $198,000 | 3,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-24,420 | 8,402 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $780,000 | 6,454 |
| Total interest expense | $156,000 | 7,088 |
| Net interest income | $624,000 | 6,103 |
| Provision for loan and lease losses | $21,000 | 4,581 |
| Total noninterest income | $75,000 | 6,308 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $54,000 | 4,823 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,763 |
| Total noninterest expense | $680,000 | 5,101 |
| Salaries and employee benefits | $316,000 | 5,611 |
| Premises and equipment expense | $144,000 | 3,757 |
| Additional noninterest expense | $220,000 | 4,754 |
| Pre-tax net operating income | $-2,000 | 8,441 |
| Securities gains (losses) | $58,000 | 507 |
| Applicable income taxes | $13,000 | 5,949 |
| Income before extraordinary items | $43,000 | 7,879 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $43,000 | 7,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $151,000 | 2,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-1,660 | 8,433 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,245,000 | 6,193 |
| Total interest expense | $698,000 | 6,608 |
| Net interest income | $2,547,000 | 5,943 |
| Provision for loan and lease losses | $100,000 | 4,964 |
| Total noninterest income | $1,248,000 | 3,038 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $296,000 | 4,347 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $952,000 | 2,218 |
| Total noninterest expense | $2,671,000 | 5,065 |
| Salaries and employee benefits | $1,240,000 | 5,594 |
| Premises and equipment expense | $484,000 | 4,191 |
| Additional noninterest expense | $947,000 | 4,547 |
| Pre-tax net operating income | $1,024,000 | 5,180 |
| Securities gains (losses) | $-3,000 | 7,966 |
| Applicable income taxes | $317,000 | 4,097 |
| Income before extraordinary items | $704,000 | 5,567 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $704,000 | 5,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,160 |
| Cash dividends | $268,000 | 4,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $706,070 | 5,489 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,446,000 | 6,182 |
| Total interest expense | $533,000 | 6,544 |
| Net interest income | $1,913,000 | 5,943 |
| Provision for loan and lease losses | $63,000 | 5,070 |
| Total noninterest income | $326,000 | 5,639 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $237,000 | 4,228 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $89,000 | 6,140 |
| Total noninterest expense | $1,881,000 | 5,255 |
| Salaries and employee benefits | $861,000 | 5,793 |
| Premises and equipment expense | $343,000 | 4,345 |
| Additional noninterest expense | $677,000 | 4,650 |
| Pre-tax net operating income | $295,000 | 7,238 |
| Securities gains (losses) | $9,000 | 2,772 |
| Applicable income taxes | $75,000 | 5,646 |
| Income before extraordinary items | $229,000 | 7,310 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $229,000 | 7,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,128 |
| Cash dividends | $202,000 | 3,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $222,250 | 7,298 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,640,000 | 6,175 |
| Total interest expense | $356,000 | 6,570 |
| Net interest income | $1,284,000 | 5,924 |
| Provision for loan and lease losses | $42,000 | 4,959 |
| Total noninterest income | $212,000 | 5,690 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $159,000 | 4,191 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $53,000 | 6,336 |
| Total noninterest expense | $1,231,000 | 5,342 |
| Salaries and employee benefits | $571,000 | 5,842 |
| Premises and equipment expense | $231,000 | 4,319 |
| Additional noninterest expense | $429,000 | 4,828 |
| Pre-tax net operating income | $223,000 | 7,020 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $53,000 | 5,582 |
| Income before extraordinary items | $178,000 | 7,094 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $178,000 | 7,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,450 |
| Cash dividends | $134,000 | 3,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $171,840 | 7,074 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $828,000 | 6,166 |
| Total interest expense | $180,000 | 6,619 |
| Net interest income | $648,000 | 5,879 |
| Provision for loan and lease losses | $21,000 | 4,750 |
| Total noninterest income | $108,000 | 5,602 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $79,000 | 4,141 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $29,000 | 6,170 |
| Total noninterest expense | $623,000 | 5,323 |
| Salaries and employee benefits | $298,000 | 5,754 |
| Premises and equipment expense | $115,000 | 4,370 |
| Additional noninterest expense | $210,000 | 4,897 |
| Pre-tax net operating income | $112,000 | 6,965 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $25,000 | 5,581 |
| Income before extraordinary items | $87,000 | 7,109 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $87,000 | 7,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,075 |
| Cash dividends | $67,000 | 3,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $87,000 | 7,024 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,347,000 | 6,173 |
| Total interest expense | $763,000 | 6,832 |
| Net interest income | $2,584,000 | 5,798 |
| Provision for loan and lease losses | $94,000 | 5,430 |
| Total noninterest income | $430,000 | 5,805 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $294,000 | 4,343 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $136,000 | 6,003 |
| Total noninterest expense | $2,470,000 | 5,259 |
| Salaries and employee benefits | $1,122,000 | 5,863 |
| Premises and equipment expense | $446,000 | 4,397 |
| Additional noninterest expense | $902,000 | 4,624 |
| Pre-tax net operating income | $450,000 | 6,845 |
| Securities gains (losses) | $146,000 | 1,574 |
| Applicable income taxes | $132,000 | 5,427 |
| Income before extraordinary items | $464,000 | 6,496 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $464,000 | 6,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,519 |
| Cash dividends | $274,000 | 4,514 |
| Sale, conversion, retirement of capital stock, net | $-126,000 | 9,116 |
| Net operating income | $350,120 | 6,892 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,494,000 | 6,261 |
| Total interest expense | $585,000 | 6,915 |
| Net interest income | $1,909,000 | 5,867 |
| Provision for loan and lease losses | $63,000 | 5,456 |
| Total noninterest income | $325,000 | 5,852 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $210,000 | 4,482 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $115,000 | 5,813 |
| Total noninterest expense | $1,831,000 | 5,276 |
| Salaries and employee benefits | $841,000 | 5,842 |
| Premises and equipment expense | $319,000 | 4,534 |
| Additional noninterest expense | $671,000 | 4,611 |
| Pre-tax net operating income | $340,000 | 6,993 |
| Securities gains (losses) | $74,000 | 2,001 |
| Applicable income taxes | $120,000 | 5,369 |
| Income before extraordinary items | $294,000 | 6,976 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $294,000 | 6,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,530 |
| Cash dividends | $207,000 | 3,968 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 9,123 |
| Net operating income | $241,460 | 7,152 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,665,000 | 6,298 |
| Total interest expense | $403,000 | 6,961 |
| Net interest income | $1,262,000 | 5,900 |
| Provision for loan and lease losses | $42,000 | 5,388 |
| Total noninterest income | $182,000 | 6,206 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $132,000 | 4,608 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $50,000 | 6,576 |
| Total noninterest expense | $1,211,000 | 5,301 |
| Salaries and employee benefits | $563,000 | 5,825 |
| Premises and equipment expense | $215,000 | 4,496 |
| Additional noninterest expense | $433,000 | 4,724 |
| Pre-tax net operating income | $191,000 | 7,278 |
| Securities gains (losses) | $68,000 | 1,796 |
| Applicable income taxes | $75,000 | 5,484 |
| Income before extraordinary items | $184,000 | 7,122 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $184,000 | 7,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,431 |
| Cash dividends | $138,000 | 3,963 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 9,176 |
| Net operating income | $135,720 | 7,420 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $826,000 | 6,361 |
| Total interest expense | $208,000 | 6,968 |
| Net interest income | $618,000 | 5,971 |
| Provision for loan and lease losses | $21,000 | 5,171 |
| Total noninterest income | $99,000 | 5,941 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $68,000 | 4,446 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 6,166 |
| Total noninterest expense | $611,000 | 5,274 |
| Salaries and employee benefits | $281,000 | 5,836 |
| Premises and equipment expense | $109,000 | 4,452 |
| Additional noninterest expense | $221,000 | 4,612 |
| Pre-tax net operating income | $85,000 | 7,440 |
| Securities gains (losses) | $20,000 | 1,898 |
| Applicable income taxes | $27,000 | 5,815 |
| Income before extraordinary items | $78,000 | 7,334 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $78,000 | 7,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,694 |
| Cash dividends | $69,000 | 3,237 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 9,250 |
| Net operating income | $63,200 | 7,476 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,771,000 | 6,097 |
| Total interest expense | $1,136,000 | 6,576 |
| Net interest income | $2,635,000 | 5,734 |
| Provision for loan and lease losses | $84,000 | 5,998 |
| Total noninterest income | $480,000 | 5,324 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $273,000 | 4,459 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $207,000 | 4,943 |
| Total noninterest expense | $2,461,000 | 5,130 |
| Salaries and employee benefits | $1,130,000 | 5,714 |
| Premises and equipment expense | $422,000 | 4,460 |
| Additional noninterest expense | $909,000 | 4,511 |
| Pre-tax net operating income | $570,000 | 6,515 |
| Securities gains (losses) | $45,000 | 2,504 |
| Applicable income taxes | $157,000 | 5,460 |
| Income before extraordinary items | $458,000 | 6,581 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $458,000 | 6,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,158 |
| Cash dividends | $276,000 | 4,466 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 749 |
| Net operating income | $424,700 | 6,599 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,202,000 | 6,196 |
| Total interest expense | $1,707,000 | 6,591 |
| Net interest income | $2,496,000 | 5,722 |
| Provision for loan and lease losses | $66,000 | 6,270 |
| Total noninterest income | $497,000 | 5,092 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $272,000 | 4,420 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $225,000 | 4,695 |
| Total noninterest expense | $2,341,000 | 5,186 |
| Salaries and employee benefits | $1,010,000 | 5,936 |
| Premises and equipment expense | $464,000 | 4,136 |
| Additional noninterest expense | $867,000 | 4,514 |
| Pre-tax net operating income | $586,000 | 6,219 |
| Securities gains (losses) | $25,000 | 2,980 |
| Applicable income taxes | $124,000 | 5,727 |
| Income before extraordinary items | $487,000 | 6,141 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $487,000 | 6,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,735 |
| Cash dividends | $263,000 | 4,598 |
| Sale, conversion, retirement of capital stock, net | $-7,000 | 9,441 |
| Net operating income | $467,000 | 6,107 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,096,000 | 6,410 |
| Total interest expense | $1,390,000 | 7,368 |
| Net interest income | $2,706,000 | 5,536 |
| Provision for loan and lease losses | $70,000 | 5,970 |
| Total noninterest income | $520,000 | 4,807 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $328,000 | 3,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $192,000 | 4,897 |
| Total noninterest expense | $2,222,000 | 5,299 |
| Salaries and employee benefits | $1,078,000 | 5,632 |
| Premises and equipment expense | $289,000 | 5,539 |
| Additional noninterest expense | $855,000 | 4,522 |
| Pre-tax net operating income | $934,000 | 5,441 |
| Securities gains (losses) | $-14,000 | 8,543 |
| Applicable income taxes | $274,000 | 4,774 |
| Income before extraordinary items | $646,000 | 5,638 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $646,000 | 5,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,073 |
| Cash dividends | $240,000 | 4,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $655,800 | 5,605 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,957,000 | 6,404 |
| Total interest expense | $1,365,000 | 7,270 |
| Net interest income | $2,592,000 | 5,674 |
| Provision for loan and lease losses | $66,000 | 6,005 |
| Total noninterest income | $431,000 | 5,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $268,000 | 4,320 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,408 |
| Total noninterest expense | $2,169,000 | 5,368 |
| Salaries and employee benefits | $1,080,000 | 5,579 |
| Premises and equipment expense | $262,000 | 5,888 |
| Additional noninterest expense | $827,000 | 4,663 |
| Pre-tax net operating income | $788,000 | 5,980 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $232,000 | 5,385 |
| Income before extraordinary items | $562,000 | 6,091 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $562,000 | 6,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $214,000 | 5,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $557,740 | 6,094 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,826,000 | 6,628 |
| Total interest expense | $1,330,000 | 7,586 |
| Net interest income | $2,496,000 | 5,867 |
| Provision for loan and lease losses | $100,000 | 5,089 |
| Total noninterest income | $437,000 | 5,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,319 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $173,000 | 5,322 |
| Total noninterest expense | $2,181,000 | 5,256 |
| Salaries and employee benefits | $1,089,000 | 5,449 |
| Premises and equipment expense | $252,000 | 5,932 |
| Additional noninterest expense | $840,000 | 4,517 |
| Pre-tax net operating income | $652,000 | 6,676 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $194,000 | 6,264 |
| Income before extraordinary items | $459,000 | 6,856 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $459,000 | 6,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,049 |
| Cash dividends | $382,000 | 4,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $458,300 | 6,757 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,812,000 | 6,833 |
| Total interest expense | $1,258,000 | 7,958 |
| Net interest income | $2,554,000 | 5,964 |
| Provision for loan and lease losses | $73,000 | 5,838 |
| Total noninterest income | $420,000 | 5,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 5,635 |
| Total noninterest expense | $2,096,000 | 5,469 |
| Salaries and employee benefits | $1,097,000 | 5,486 |
| Premises and equipment expense | $241,000 | 6,194 |
| Additional noninterest expense | $758,000 | 4,934 |
| Pre-tax net operating income | $805,000 | 6,526 |
| Securities gains (losses) | $23,000 | 1,798 |
| Applicable income taxes | $269,000 | 6,045 |
| Income before extraordinary items | $559,000 | 6,607 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $559,000 | 6,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,671 |
| Cash dividends | $152,000 | 5,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $543,360 | 6,655 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,850,000 | 7,006 |
| Total interest expense | $1,276,000 | 8,168 |
| Net interest income | $2,576,000 | 6,070 |
| Provision for loan and lease losses | $39,000 | 7,052 |
| Total noninterest income | $426,000 | 5,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,682 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 5,678 |
| Total noninterest expense | $2,064,000 | 5,817 |
| Salaries and employee benefits | $1,045,000 | 5,813 |
| Premises and equipment expense | $243,000 | 6,346 |
| Additional noninterest expense | $776,000 | 5,317 |
| Pre-tax net operating income | $899,000 | 6,087 |
| Securities gains (losses) | $-12,000 | 10,370 |
| Applicable income taxes | $260,000 | 6,310 |
| Income before extraordinary items | $627,000 | 6,113 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $627,000 | 6,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,609 |
| Cash dividends | $281,000 | 4,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $635,520 | 6,000 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,535,000 | 7,508 |
| Total interest expense | $1,180,000 | 8,653 |
| Net interest income | $2,355,000 | 6,566 |
| Provision for loan and lease losses | $121,000 | 4,076 |
| Total noninterest income | $408,000 | 5,914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 4,891 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,906 |
| Total noninterest expense | $1,915,000 | 6,190 |
| Salaries and employee benefits | $1,041,000 | 5,846 |
| Premises and equipment expense | $32,000 | 11,571 |
| Additional noninterest expense | $842,000 | 5,040 |
| Pre-tax net operating income | $727,000 | 7,186 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $233,000 | 6,914 |
| Income before extraordinary items | $489,000 | 7,336 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $489,000 | 7,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,184 |
| Cash dividends | $245,000 | 5,050 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $492,400 | 7,283 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,086,000 | 7,909 |
| Total interest expense | $906,000 | 9,108 |
| Net interest income | $2,180,000 | 7,128 |
| Provision for loan and lease losses | $87,000 | 4,874 |
| Total noninterest income | $360,000 | 6,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $220,000 | 5,501 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 6,416 |
| Total noninterest expense | $1,875,000 | 6,509 |
| Salaries and employee benefits | $925,000 | 6,488 |
| Premises and equipment expense | $191,000 | 7,628 |
| Additional noninterest expense | $759,000 | 5,945 |
| Pre-tax net operating income | $578,000 | 8,133 |
| Securities gains (losses) | $-52,000 | 11,060 |
| Applicable income taxes | $172,000 | 7,876 |
| Income before extraordinary items | $354,000 | 8,605 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $354,000 | 8,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,278 |
| Cash dividends | $108,000 | 6,729 |
| Sale, conversion, retirement of capital stock, net | $-84,000 | 12,503 |
| Net operating income | $388,840 | 8,340 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,047,000 | 8,257 |
| Total interest expense | $896,000 | 9,569 |
| Net interest income | $2,151,000 | 7,295 |
| Provision for loan and lease losses | $62,000 | 6,899 |
| Total noninterest income | $317,000 | 7,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $203,000 | 5,916 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 7,477 |
| Total noninterest expense | $1,673,000 | 7,277 |
| Salaries and employee benefits | $856,000 | 6,988 |
| Premises and equipment expense | $193,000 | 7,830 |
| Additional noninterest expense | $624,000 | 7,134 |
| Pre-tax net operating income | $733,000 | 7,188 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $309,000 | 5,964 |
| Income before extraordinary items | $422,000 | 8,213 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $422,000 | 8,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $131,000 | 6,370 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 1,125 |
| Net operating income | $423,280 | 7,933 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,075,000 | 8,842 |
| Total interest expense | $1,129,000 | 9,866 |
| Net interest income | $1,946,000 | 7,904 |
| Provision for loan and lease losses | $70,000 | 8,246 |
| Total noninterest income | $321,000 | 7,446 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 6,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,960 |
| Total noninterest expense | $1,552,000 | 7,729 |
| Salaries and employee benefits | $833,000 | 7,041 |
| Premises and equipment expense | $165,000 | 8,699 |
| Additional noninterest expense | $554,000 | 7,945 |
| Pre-tax net operating income | $645,000 | 7,426 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $239,000 | 6,848 |
| Income before extraordinary items | $407,000 | 8,143 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $407,000 | 8,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $165,000 | 5,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $406,360 | 7,799 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.